Vendor & Exhibitor Insurance

Requirements for a valid COI

IMPORTANT: If your policy does not include all the required details below (also shown in the Sample Bluemont Fair COI), you will not be permitted to participate in the Fair.

• be issued by an A- rated insurance company or better (as rated by A.M. Best & Co.)
• be a General Liability Occurrence policy (Claims Made policies or certificates will NOT be accepted)
• cover Fair dates 9/18/2026 through 9/20/2026
• show coverage limits of at least:
  • Each Occurrence: $1,000,000
  • Damage to Rented Premises Each Occurrence: $300,000
  • Med Exp per Person: $5,000
  • Personal & Adv Injury: $1,000,000
  • General Aggregate: $2,000,000
  • Products – Comp/OP AGG: $2,000,000
• the “ADDITIONAL INSURED” box must be checked and/or the DESCRIPTION OF OPERATIONS must include the following statement: 
  It is understood and agreed that the Certificate Holder is named as Additional Insured per attached schedule [INSERT SCHEDULE NAME HERE]. Additional Insured is the Designated Person or Organization subject to all policy terms, conditions, and exclusions.
• If you are a blacksmith, climbing wall operator, food concessionaire, petting zoo, ride operator, vendor with animals, or wood turner, the “SUBROGATION WAIVED” box must be checked and the DESCRIPTION OF OPERATIONS must include the following statement:
  Liability coverage is on a primary and non-contributory basis, and subrogation is waived in favor of the Bluemont Citizens Association/Bluemont Fair as per attached schedule [INSERT SCHEDULE NAME HERE].
• name the Bluemont Citizen’s Association, dba Bluemont Fair, as both the “Additional Insured” AND “Certificate Holder,” with the following address:
  

  Bluemont Citizen’s Association
  dba Bluemont Fair
  PO Box 362
  Bluemont, VA 20135

Ensure your COI has everything as shown above and on this Sample Bluemont Fair COI, then upload your valid COI here.   

If You Don’t Have Existing Coverage

Here are some options for purchasing the required insurance. The Bluemont Citizens Association (Bluemont Fair) does not receive any commission or compensation for sharing this information. You are welcome to obtain coverage from any insurance provider of your choice.

Food Vendors

Since you are required to provide the Bluemont Citizens Association (Bluemont Fair) with proof of insurance that meets all the criteria listed above, you may want to consider FLIP, which offers an affordable food liability policy.

Fiber Arts, Juried Craft, Marketplace, Nonprofit Vendors

For non-food vendors, and for exhibitors without animals or rides, Artists, Crafters & Tradesmen Insurance (ACT) offers a $49 liability policy that provides coverage for the duration of the Fair.

Instructions for Purchasing Insurance Through ACT:

1. 1. Go to the ACT Insurance website.
      Note: ACT policies only cover artists, crafters and tradespeople, not food, animal or ride exhibitors.
   2. Select “Show Policy Active from 1 to 90 days.”
   3. Select your ‘Area of Focus.’
      Note: If you don’t see your specific Area of Focus listed:
      1. Select “Crafts” as your initial category.
      2. On the next page, choose “Other” and type your actual area of focus in the field provided.
         Example: Market Place vendors should choose “Other” and enter the type of business you are.
      3. On the following page, select “No, this doesn’t quite fit my business.”
   4. Set the correct start date.
      Set you policy to start 9/18/2026.
   5. Compete your Policy Holder Information.
   6. Choose “Add additional insured”
      
      1. Select Business Type “Event / Show”
      2. Add Bluemont Citizens Association as the Additional Insured’s Name
      3. Enter the email address of your Fair contact (the person who sent you the approval email)
      4. Enter address P.O. Box 217 Bluemont, VA 20135
   7. Click Continue.